*{margin:0;padding:0;box-sizing:border-box}:root{--navy: #3F4464;--gold: #DBAE72;--white: #ffffff;--light-gray: #f5f5f5;--dark-gray: #333333;--text-gray: #666666;--border-gray: #e0e0e0}body{font-family:Montserrat,system-ui,-apple-system,sans-serif;color:var(--dark-gray);line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4,h5,h6{font-family:Montserrat,Georgia,sans-serif;color:var(--navy);line-height:1.3}a{text-decoration:none;color:inherit}img{max-width:100%;height:auto}.container{max-width:1200px;margin:0 auto;padding:0 20px}button{cursor:pointer;font-family:Montserrat,sans-serif}input,textarea{font-family:Montserrat,sans-serif}.animate-on-scroll{opacity:0;transform:translateY(30px);transition:opacity .6s ease,transform .6s ease}.animate-on-scroll.animate-in{opacity:1;transform:translateY(0)}.animate-on-scroll.fade-scale{transform:scale(.95)}.animate-on-scroll.fade-scale.animate-in{transform:scale(1)}.animate-on-scroll.fade-left{transform:translate(-30px)}.animate-on-scroll.fade-left.animate-in{transform:translate(0)}.animate-on-scroll.fade-right{transform:translate(30px)}.animate-on-scroll.fade-right.animate-in{transform:translate(0)}.animate-on-scroll.delay-1{transition-delay:.1s}.animate-on-scroll.delay-2{transition-delay:.2s}.animate-on-scroll.delay-3{transition-delay:.3s}.animate-on-scroll.delay-4{transition-delay:.4s}.animate-on-scroll.delay-5{transition-delay:.5s}.header{position:sticky;top:0;z-index:1000;background:var(--white);box-shadow:0 2px 10px #00000014}.header-transparent{position:absolute;width:100%;background:transparent;box-shadow:none}.header-transparent .nav a,.header-transparent .dropdown-trigger{color:var(--white)}.header-transparent .nav a:hover,.header-transparent .nav a.active,.header-transparent .dropdown-trigger:hover{color:var(--gold)}.header-transparent .hamburger span{background:var(--white)}.header-transparent .dropdown-menu a{color:var(--dark-gray)}.header-transparent .dropdown-menu a:hover{color:var(--gold)}.header-container{max-width:1200px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;height:70px}.logo img{height:45px;width:auto}.nav{display:flex;align-items:center;gap:28px}.nav a,.dropdown-trigger{font-size:.8rem;font-weight:500;color:var(--dark-gray);letter-spacing:.5px;transition:color .3s;cursor:pointer;white-space:nowrap;font-family:Montserrat,sans-serif}.nav a:hover,.nav a.active,.dropdown-trigger:hover{color:var(--gold)}.dropdown{position:relative}.dropdown-trigger{display:flex;align-items:center;gap:4px}.dropdown-trigger svg{width:10px;height:6px}.dropdown-menu{position:absolute;top:100%;left:0;background:var(--white);box-shadow:0 4px 20px #0000001a;border-radius:4px;padding:8px 0;min-width:200px;z-index:100}.dropdown-menu a{display:block;padding:10px 20px;font-size:.85rem;color:var(--dark-gray);transition:background .2s,color .2s}.dropdown-menu a:hover{background:var(--light-gray);color:var(--gold)}.mobile-toggle{display:none;background:none;border:none;padding:4px}.hamburger{display:flex;flex-direction:column;gap:5px;width:24px}.hamburger span{display:block;height:2px;background:var(--navy);transition:all .3s}.hamburger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.hamburger.open span:nth-child(2){opacity:0}.hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}@media(max-width:1024px){.mobile-toggle{display:block}.nav{position:fixed;top:70px;left:0;right:0;bottom:0;background:var(--white);flex-direction:column;padding:30px 20px;gap:20px;transform:translate(100%);transition:transform .3s;z-index:999}.nav-open{transform:translate(0)}.dropdown-menu{position:static;box-shadow:none;padding-left:20px}.nav-open a,.nav-open .dropdown-trigger{color:var(--navy)!important}.nav-open a:hover,.nav-open a.active,.nav-open .dropdown-trigger:hover{color:var(--gold)!important}.nav-open .dropdown-menu a{color:var(--dark-gray)!important}.nav-open .dropdown-menu a:hover{color:var(--gold)!important}.header-transparent .hamburger.open span{background:var(--navy)}}.footer{background:var(--navy);color:var(--white)}.footer-main{padding:60px 0 40px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:40px}.footer-logo{height:50px;filter:brightness(0) invert(1)}.footer-col h4{color:var(--gold);font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:600;margin-bottom:16px;letter-spacing:.5px}.footer-col a{display:block;color:#ffffffbf;font-size:.85rem;margin-bottom:10px;transition:color .3s}.footer-col a:hover{color:var(--gold)}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);padding:20px 0;text-align:center}.footer-bottom p{font-size:.8rem;color:var(--white);font-weight:500}@media(max-width:768px){.footer-grid{grid-template-columns:1fr 1fr;gap:30px}.footer-brand{grid-column:1 / -1}}@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}.hero-slider{position:relative;height:85vh;min-height:500px;max-height:700px;overflow:hidden}.slide{position:absolute;top:0;right:0;bottom:0;left:0;opacity:0;transition:opacity 1s ease}.slide.active{opacity:1}.slide-bg{width:100%;height:100%;background-size:cover;background-position:center;display:flex;align-items:center;justify-content:center;position:relative}.slide-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:#00000073}.slide-content{position:relative;z-index:2;text-align:center;color:var(--white);padding:0 20px;max-width:800px}.slide-content h1{font-size:3.2rem;color:var(--white);font-weight:700;margin-bottom:30px;line-height:1.15}.slide-indicators{position:absolute;bottom:30px;left:50%;transform:translate(-50%);display:flex;gap:10px;z-index:10}.indicator{width:12px;height:12px;border-radius:50%;border:2px solid var(--white);background:transparent;cursor:pointer;transition:background .3s}.indicator.active{background:var(--white)}.hero-buttons{display:flex;gap:15px;justify-content:center}.hero-btn{padding:12px 28px;font-size:.85rem;font-weight:600;letter-spacing:.5px;border:2px solid var(--white);transition:all .3s;cursor:pointer}.hero-btn.primary{background:var(--navy);border-color:var(--navy);color:var(--white)}.hero-btn.primary:hover{background:transparent;border-color:var(--white)}.hero-btn.secondary{background:var(--gold);border-color:var(--gold);color:var(--white)}.hero-btn.secondary:hover{background:transparent;border-color:var(--white)}.section-label{display:block;font-size:.75rem;font-weight:600;letter-spacing:2px;color:var(--gold);text-transform:uppercase;margin-bottom:8px;font-family:Montserrat,sans-serif}.section-label.center{text-align:center}.section-title{font-size:2rem;color:var(--navy);margin-bottom:40px;text-align:center}.section-title.left{text-align:left}.section-title.white{color:var(--white)}.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.about-image img{width:100%;border-radius:8px;object-fit:cover;height:400px}.about-content h2{font-size:1.8rem;margin-bottom:20px}.about-content p{color:var(--text-gray);font-size:.92rem;margin-bottom:16px;line-height:1.7}.btn-read-more{display:inline-block;margin-top:10px;padding:10px 24px;background:var(--navy);color:var(--white);font-size:.85rem;font-weight:500;border-radius:4px;transition:background .3s}.btn-read-more:hover{background:#2d3150}.home-services{background:var(--light-gray)}.services-carousel{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:24px}.service-card{background:var(--white);padding:30px;border:1px solid var(--border-gray);border-radius:4px;text-align:left;transition:border-color .3s,opacity .4s,transform .4s;animation:fadeSlideIn .5s ease forwards}@keyframes fadeSlideIn{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.service-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 6px 20px #00000014}.service-card h4{font-family:Montserrat,sans-serif;font-size:.95rem;font-weight:600;color:var(--navy);margin-bottom:12px}.service-card p{font-size:.85rem;color:var(--text-gray);line-height:1.6}.carousel-dots{display:flex;justify-content:center;gap:8px}.dot{width:10px;height:10px;border-radius:50%;border:none;background:#ccc;cursor:pointer;transition:background .3s}.dot.active{background:var(--navy)}.home-why{padding:0}.why-header{position:relative;padding:60px 40px 30px;text-align:center;overflow:hidden}.why-header .section-title{position:relative;z-index:1;margin-bottom:0}.why-header .section-label{position:relative;z-index:1}.why-banner{background:var(--navy);padding:50px 40px;text-align:center}.why-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:24px;margin:0 auto 30px;max-width:1200px}.why-item{text-align:center}.why-icon{width:80px;height:80px;margin:0 auto 12px;background:#ffffff1a;border-radius:50%;display:flex;align-items:center;justify-content:center;transition:transform .3s ease,background .3s ease}.why-item:hover .why-icon{transform:scale(1.12) rotate(5deg);background:#fff3}.why-icon img{width:44px;height:44px;filter:brightness(0) invert(1);transition:transform .3s ease}.why-item:hover .why-icon img{transform:scale(1.1)}.why-item p{color:var(--white);font-size:.8rem;line-height:1.4}.btn-start-investing{display:inline-block;padding:12px 30px;border:2px solid var(--white);color:var(--white);font-size:.85rem;font-weight:500;background:transparent;transition:all .3s;margin-top:10px}.btn-start-investing:hover{background:var(--white);color:var(--navy)}.clients-grid{display:flex;justify-content:center;gap:24px;flex-wrap:wrap}.client-card{width:190px;text-align:left;background:var(--white);border-radius:12px;overflow:hidden;box-shadow:0 4px 16px #00000014;transition:transform .3s ease,box-shadow .3s ease}.client-card:hover{transform:translateY(-6px);box-shadow:0 8px 24px #00000024}.client-image{width:100%;height:200px;overflow:hidden}.client-image img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}.client-card:hover .client-image img{transform:scale(1.08)}.client-label{display:block;background:var(--white);color:var(--navy);font-size:.85rem;font-weight:600;padding:14px;line-height:1.4}.home-testimonials{background:var(--white)}.home-testimonials>.container:first-child{margin-bottom:30px}.testimonials-banner{background:var(--gold);padding:50px 0}.testimonials-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.testimonial-card{background:var(--white);padding:30px;border-radius:8px;animation:fadeSlideIn .5s ease forwards}.testimonial-dots{margin-top:20px}.testimonial-dots .dot{background:#fff6;border:none}.testimonial-dots .dot.active{background:var(--white)}.testimonial-card.accent{background:#e8c48a;color:var(--navy)}.testimonial-card p{font-size:.95rem;font-style:italic;margin-bottom:20px;line-height:1.6;color:var(--dark-gray)}.testimonial-card.accent p{color:var(--navy)}.testimonial-author{display:flex;align-items:center;gap:10px}.author-avatar{width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--white);display:flex;align-items:center;justify-content:center;font-size:.85rem;font-weight:600}.testimonial-card.accent .author-avatar{background:var(--white);color:var(--gold)}.testimonial-author span{font-weight:500;font-size:.9rem}@media(max-width:1024px){.why-grid{grid-template-columns:repeat(3,1fr);gap:20px}.about-grid{grid-template-columns:1fr;gap:30px}}@media(max-width:768px){.slide-content h1{font-size:1.6rem;line-height:1.3}.slide-content{padding:0 20px}.hero-buttons{flex-direction:column;gap:10px;align-items:center}.hero-buttons .btn{width:100%;max-width:260px}.about-grid{grid-template-columns:1fr;gap:24px}.services-carousel{grid-template-columns:1fr}.why-header{padding:40px 20px 20px}.why-banner{padding:30px 16px}.why-grid{grid-template-columns:repeat(2,1fr);gap:20px}.why-icon{width:60px;height:60px}.why-item p{font-size:.75rem}.btn-start-investing{font-size:.85rem;padding:10px 24px}.testimonials-grid{grid-template-columns:1fr}.testimonials-banner{padding:30px 0}.clients-grid{gap:12px;justify-content:center}.client-card{width:calc(50% - 8px);min-width:140px}.client-image{height:140px}.client-label{font-size:.75rem;padding:10px}.section-padding{padding:40px 0}.home-about .container,.home-clients .container{padding:0 16px}}@media(max-width:480px){.slide-content h1{font-size:1.3rem}.why-grid{grid-template-columns:repeat(2,1fr);gap:16px}.client-card{width:calc(50% - 6px);min-width:120px}.client-image{height:120px}}.about-page .banner-image-wrapper{max-width:900px;margin:0 auto;border-radius:12px;overflow:hidden;box-shadow:0 4px 20px #00000014}.banner-hero-img{width:100%;height:400px;object-fit:cover}.company-overview{text-align:center}.overview-text{max-width:800px;margin:0 auto;color:var(--text-gray);font-size:.95rem;line-height:1.8}.section-watermark{display:block;font-size:4rem;font-weight:700;color:#3f446414;line-height:1;margin-bottom:-30px;position:relative;z-index:0}.history-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.history-img-main{width:100%;height:350px;object-fit:cover;border-radius:12px;box-shadow:0 4px 20px #0000001a}.history-content{position:relative}.history-content h2{font-size:1.8rem;margin-bottom:16px;position:relative;z-index:1}.history-content p{color:var(--text-gray);font-size:.92rem;line-height:1.8;position:relative;z-index:1}.our-vision{position:relative;overflow:hidden}.vision-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;position:relative;z-index:1}.vision-content{position:relative}.vision-content h2{font-size:1.8rem;margin-bottom:16px;position:relative;z-index:1}.vision-content p{color:var(--text-gray);font-size:.92rem;line-height:1.8;position:relative;z-index:1}.vision-images{position:relative}.vision-img{width:100%;height:300px;object-fit:cover;border-radius:12px;box-shadow:0 4px 20px #0000001a}.our-mission{position:relative}.mission-header{text-align:center;position:relative;padding-bottom:20px}.mission-header .section-watermark{font-size:5rem;margin-bottom:-40px}.mission-header .section-title{position:relative;z-index:1}.mission-banner{background:var(--navy);padding:60px 40px;text-align:center}.mission-grid{display:flex;justify-content:center;gap:20px;text-align:center;max-width:900px;margin:0 auto}.mission-item{flex:1;max-width:200px}.mission-icon{width:80px;height:80px;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;transition:transform .3s ease}.mission-item:hover .mission-icon{transform:scale(1.12) rotate(5deg)}.mission-icon img{width:60px;height:60px;object-fit:contain;filter:brightness(0) invert(1);transition:transform .3s ease}.mission-item:hover .mission-icon img{transform:scale(1.1)}.mission-item p{font-size:.85rem;color:var(--white);line-height:1.5}.core-market{text-align:center}.core-market .section-watermark{font-size:5rem;margin-bottom:-40px}.market-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.market-card{background:var(--white);border-radius:12px;overflow:hidden;box-shadow:0 4px 20px #00000014;text-align:left;transition:transform .3s ease,box-shadow .3s ease}.market-card:hover{transform:translateY(-6px);box-shadow:0 8px 30px #00000024}.market-image{width:100%;height:200px;overflow:hidden}.market-image img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}.market-card:hover .market-image img{transform:scale(1.08)}.market-card p{font-size:.9rem;color:var(--navy);font-weight:500;padding:16px}@media(max-width:768px){.history-grid,.vision-grid{grid-template-columns:1fr;gap:30px}.mission-grid{flex-wrap:wrap}.mission-item{flex:0 0 45%}.market-grid{grid-template-columns:1fr}.section-watermark{font-size:2.5rem;margin-bottom:-20px}}.services-watermark{display:block;font-size:8rem;font-weight:800;color:transparent;-webkit-text-stroke:1px rgba(180,180,180,.4);text-stroke:1px rgba(180,180,180,.4);line-height:1;margin-bottom:-10px;position:relative;z-index:0}.services-hero-img{max-width:500px;border-radius:8px;overflow:hidden;margin-top:20px}.services-hero-img img{width:100%;height:250px;object-fit:cover}.services-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.service-detail-card{display:flex;gap:20px;padding:30px;border:1px solid var(--border-gray);border-radius:8px;transition:border-color .3s,transform .3s ease,box-shadow .3s ease}.service-detail-card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 6px 20px #00000014}.service-icon-wrap{flex-shrink:0;width:60px;height:60px;display:flex;align-items:flex-start;justify-content:center}.service-icon-wrap img{width:50px;height:50px;object-fit:contain;transition:transform .3s ease}.service-detail-card:hover .service-icon-wrap img{transform:scale(1.15) rotate(5deg)}.service-info h3{font-family:Montserrat,sans-serif;font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:10px}.service-info p{font-size:.85rem;color:var(--text-gray);line-height:1.6;margin-bottom:16px}.btn-speak{padding:8px 20px;background:var(--navy);color:var(--white);border:none;font-size:.8rem;font-weight:500;border-radius:4px;transition:background .3s}.btn-speak:hover{background:#2d3150}@media(max-width:768px){.services-grid{grid-template-columns:1fr}.service-detail-card{flex-direction:column}}.board-member{padding:60px 0}.board-member.dark-bg{background:var(--navy)}.board-member.dark-bg .member-info h3,.board-member.dark-bg .member-info h4{color:var(--gold)}.board-member.dark-bg .member-info p{color:#ffffffd9}.board-member.light-bg{background:var(--white);border-bottom:1px solid var(--border-gray)}.member-layout{display:grid;grid-template-columns:280px 1fr;gap:40px;align-items:start}.member-photo-placeholder{width:100%;height:350px;background:linear-gradient(135deg,#e8e8e8,#d0d0d0);border-radius:4px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#999;gap:8px}.board-member.dark-bg .member-photo-placeholder{background:linear-gradient(135deg,#ffffff1f,#ffffff0f);color:#fff6}.member-photo-placeholder span{font-size:1.1rem;font-weight:600;letter-spacing:2px}.member-photo img{width:100%;height:350px;object-fit:cover;border-radius:4px}.member-info h3{font-family:Montserrat,sans-serif;font-size:1.2rem;font-weight:700;color:var(--navy);margin-bottom:4px}.member-info h4{font-family:Montserrat,sans-serif;font-size:.95rem;font-weight:500;color:var(--gold);margin-bottom:16px}.member-info p{font-size:.88rem;color:var(--text-gray);line-height:1.7;margin-bottom:12px;text-align:justify}@media(max-width:768px){.member-layout{grid-template-columns:1fr}.member-photo img{height:250px}}.management-list .container{max-width:1100px}.mgmt-grid-v2{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:28px}.mgmt-card-v2{display:flex;gap:24px;background:#f5f5f5;border-radius:12px;padding:24px;transition:transform .3s ease,box-shadow .3s ease}.mgmt-card-v2:hover{transform:translateY(-2px);box-shadow:0 8px 24px #00000014}.mgmt-card-v2.featured{grid-column:1 / -1;background:#f0f0f0;padding:28px}.mgmt-card-v2-photo{flex-shrink:0;width:180px;height:220px}.mgmt-card-v2-photo img{width:100%;height:100%;object-fit:cover;border-radius:10px}.mgmt-photo-placeholder-v2{width:100%;height:100%;background:linear-gradient(145deg,#ddd,#c5c5c5);border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#999;gap:6px}.mgmt-photo-placeholder-v2 span{font-family:Montserrat,sans-serif;font-size:1.2rem;font-weight:700;color:#aaa;letter-spacing:1px}.mgmt-card-v2-info{flex:1;display:flex;flex-direction:column;justify-content:flex-start}.mgmt-card-v2-info h3{font-family:Montserrat,sans-serif;font-size:1.15rem;font-weight:700;color:var(--navy, #3F4464);margin:0 0 2px;line-height:1.3}.mgmt-card-v2-info h4{font-family:Montserrat,sans-serif;font-size:.95rem;font-weight:500;font-style:italic;color:var(--gold, #DBAE72);margin:0 0 16px}.mgmt-bio{font-size:.85rem;color:var(--text-gray, #555);line-height:1.75}.mgmt-bio p{margin:0 0 10px;text-align:left}.mgmt-bio p:last-child{margin-bottom:0}@media(max-width:900px){.mgmt-grid-v2{grid-template-columns:1fr;gap:20px}}@media(max-width:600px){.mgmt-card-v2{flex-direction:column;align-items:center;text-align:center;padding:20px}.mgmt-card-v2-photo{width:140px;height:170px}.mgmt-card-v2-info h3{font-size:1.05rem}.mgmt-bio p{text-align:center}}@keyframes mgmt-shimmer{0%{background-position:-400px 0}to{background-position:400px 0}}.mgmt-skeleton .skeleton-box{width:100%;height:100%;border-radius:10px;background:linear-gradient(90deg,#ddd 25%,#eee,#ddd 75%);background-size:800px 100%;animation:mgmt-shimmer 1.5s infinite ease-in-out}.mgmt-skeleton .skeleton-line{height:14px;border-radius:4px;background:linear-gradient(90deg,#ddd 25%,#eee,#ddd 75%);background-size:800px 100%;animation:mgmt-shimmer 1.5s infinite ease-in-out}.mgmt-skeleton .mgmt-card-v2-info{min-width:0;width:100%}.mgmt-skeleton .skeleton-name{max-width:160px;height:18px;margin-bottom:8px}.mgmt-skeleton .skeleton-role{max-width:110px;margin-bottom:16px}.mgmt-skeleton .skeleton-bio{max-width:100%;margin-bottom:8px}.mgmt-skeleton .skeleton-bio.short{max-width:70%}.mgmt-card{display:none}.insights-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}.insight-card{cursor:pointer;transition:transform .3s}.insight-card:hover{transform:translateY(-4px)}.insight-image{border-radius:8px;overflow:hidden;margin-bottom:12px}.insight-image img{width:100%;height:250px;object-fit:cover;transition:transform .3s}.insight-card:hover .insight-image img{transform:scale(1.05)}.insight-card h3{font-family:Montserrat,sans-serif;font-size:1.1rem;font-weight:600;color:var(--navy)}@media(max-width:768px){.insights-grid{grid-template-columns:1fr}}.contact-layout{display:grid;grid-template-columns:1fr 1.2fr 1fr;gap:0;border-radius:12px;overflow:hidden;box-shadow:0 4px 30px #0000001a}.contact-info-panel{background:var(--navy);padding:40px 30px;display:flex;flex-direction:column;justify-content:center;gap:30px;border-radius:12px 0 0 12px}.contact-item{display:flex;align-items:flex-start;gap:12px}.contact-icon{flex-shrink:0;width:40px;height:40px;background:#ffffff26;border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white)}.contact-item p{color:var(--white);font-size:.85rem;font-weight:500;line-height:1.5}.contact-center-img{overflow:hidden}.contact-center-img img{width:100%;height:100%;object-fit:cover}.contact-form-panel{background:var(--gold);padding:40px 30px;border-radius:0 12px 12px 0}.contact-form-panel h3{color:var(--navy);font-size:1.3rem;margin-bottom:20px}.contact-form-panel input,.contact-form-panel textarea{width:100%;padding:12px 16px;border:1px solid rgba(255,255,255,.5);background:var(--white);margin-bottom:12px;font-size:.85rem;border-radius:4px;outline:none}.contact-form-panel textarea{resize:vertical}.btn-send{padding:10px 40px;background:var(--navy);color:var(--white);border:none;font-size:.85rem;font-weight:500;border-radius:4px;transition:background .3s}.btn-send:hover{background:#2d3150}.callback-card{max-width:550px;margin:0 auto;padding:40px;background:var(--white);border-radius:8px;box-shadow:0 4px 20px #00000014}.callback-card h3{text-align:center;font-size:1.3rem;color:var(--navy);margin-bottom:24px}.callback-card input,.callback-card textarea{width:100%;padding:12px 16px;border:1px solid var(--border-gray);margin-bottom:12px;font-size:.85rem;border-radius:4px;outline:none}.callback-card textarea{resize:vertical}.btn-callback{display:block;margin:10px auto 0;padding:12px 40px;background:var(--navy);color:var(--white);border:none;font-size:.85rem;font-weight:500;border-radius:4px;transition:background .3s}.btn-callback:hover{background:#2d3150}@media(max-width:768px){.contact-layout{grid-template-columns:1fr}.contact-info-panel{border-radius:12px 12px 0 0}.contact-form-panel{border-radius:0 0 12px 12px}.callback-card{padding:24px}}.portfolio-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}.portfolio-card{position:relative;height:350px;overflow:hidden}.portfolio-card img{width:100%;height:100%;object-fit:cover;transition:transform .5s}.portfolio-card:hover img{transform:scale(1.05)}.portfolio-overlay{position:absolute;bottom:0;left:0;right:0;padding:30px;background:linear-gradient(transparent,#000000b3);color:var(--white)}.portfolio-overlay h3{color:var(--white);font-size:1.2rem;margin-bottom:6px}.portfolio-overlay p{font-size:.85rem;opacity:.9}.portfolio-cta{position:relative;height:250px;background:var(--navy);display:flex;align-items:center;justify-content:center;overflow:hidden}.portfolio-cta .cta-overlay{position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(135deg,#3f4464f2,#3f4464cc)}.cta-content{position:relative;z-index:2}.btn-open-account-cta{padding:14px 40px;border:2px solid var(--white);background:transparent;color:var(--white);font-size:.9rem;font-weight:600;letter-spacing:1px;transition:all .3s}.btn-open-account-cta:hover{background:var(--white);color:var(--navy)}@media(max-width:768px){.portfolio-grid{grid-template-columns:1fr}.portfolio-card{height:250px}}.faq-list .container{max-width:800px}.faq-item{margin-bottom:12px;border-radius:4px;overflow:hidden}.faq-question{width:100%;display:flex;justify-content:space-between;align-items:center;padding:16px 24px;background:var(--navy);color:var(--white);border:none;font-size:.9rem;font-weight:500;text-align:left;transition:background .3s;font-family:Montserrat,sans-serif}.faq-question:hover{background:#353a58}.faq-chevron{flex-shrink:0;transition:transform .3s}.faq-item.open .faq-chevron{transform:rotate(180deg)}.faq-answer{padding:20px 24px;background:var(--white);border:1px solid var(--border-gray);border-top:none}.faq-answer p{font-size:.88rem;color:var(--text-gray);line-height:1.7}.page-banner{position:relative;padding:120px 0 40px;overflow:hidden}.page-banner:before{display:none}.page-banner h1{font-size:2.5rem;color:var(--navy);position:relative;z-index:1}.newsletter-section{background:var(--light-gray);padding:60px 0}.newsletter-section .container{display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap}.newsletter-section h2{font-size:1.8rem;margin-bottom:8px}.newsletter-section p{color:var(--text-gray);font-size:.95rem}.newsletter-form{display:flex;gap:0;min-width:400px}.newsletter-form input{flex:1;padding:14px 20px;border:1px solid var(--border-gray);background:var(--white);font-size:.95rem;outline:none;border-radius:0}.newsletter-form input::placeholder{color:#999}.newsletter-form button{padding:14px 24px;background:var(--white);color:var(--dark-gray);border:1px solid var(--dark-gray);font-weight:500;font-size:.9rem;white-space:nowrap;transition:all .3s}.newsletter-form button:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}.section-watermark{display:block;font-size:5rem;font-weight:700;color:#3f446414;line-height:1;margin-bottom:-30px;position:relative;z-index:0}.section-watermark.light{color:#3f44640f}.section-bg-decor{position:absolute;top:0;right:0;bottom:0;left:0;background-image:url(/build/assets/social-emoticons-background-template-vector-Drl8Awln.png);background-size:cover;background-position:center;background-repeat:no-repeat;opacity:.08;pointer-events:none;z-index:0}.section-padding{padding:80px 0}@media(max-width:768px){.page-banner h1{font-size:1.8rem}.newsletter-section .container{flex-direction:column;text-align:center}.newsletter-form{min-width:100%;flex-direction:column}.newsletter-form input,.newsletter-form button{width:100%}}